How to Get Paid from Gumroad in Bangladesh | A Step-by-Step Guide |2025

My Journey from Confusion to Consistent Income

In late 2020, I launched my first digital product on Gumroad. I was sitting in a tiny room in Dhaka, full of hope but completely lost. I had finally figured out how to upload my product and set my price, but when the question came—“How will I get paid?”—I was stuck.

As a Bangladeshi creator, the biggest roadblock wasn’t creating the product—it was figuring out how to receive my earnings from Gumroad, especially without access to PayPal.

Today, in 2025, I’m based in London and still using Gumroad as one of my main digital income sources. But I’ve never forgotten that struggle. This blog post is the guide I wish I had back then.

If you’re in Bangladesh or Kolkata and wondering how to actually get paid from Gumroad — this guide is for you.

Why Gumroad Works for Creators in Bangladesh

Before we dive into the steps, let’s talk about why Gumroad is one of the best platforms for creators in South Asia:

🛒 You can start selling digital products (like templates, guides, fonts) with zero upfront cost
🌍 You sell globally in USD or any currency
💸 You don’t need a website (Gumroad gives you a storefront)
✅ And yes — you can get paid in Bangladesh

But here’s the catch: PayPal doesn’t work for receiving payments in Bangladesh. That’s why you need an alternative method. Let me show you how.

Can You Get Paid from Gumroad in Bangladesh?

Yes, you absolutely can.
Even if you don’t have PayPal, you can still receive Gumroad payouts using Payoneer or Wise.

✅ Gumroad pays every Friday (if you’ve earned over $10), directly to your linked bank account or digital wallet.

So let’s walk through the exact steps.

Step-by-Step: How to Get Paid from Gumroad in Bangladesh (Without PayPal)

✅ Step 1: Create a Free Gumroad Account

Go to gumroad.com, sign up, and add your profile and first product.

Add a product image, pricing, description
Under Settings → Payout, set your payout country as United States (This allows Payoneer)

👉 Don’t worry, you don’t need to live in the U.S. — you just need a U.S. receiving account, which you’ll get from Payoneer.

Step 2: Sign Up for Payoneer

Go to Payoneer.com and create a free account.
Use your NID or Passport to verify your identity.

After approval, you’ll get a U.S. receiving account (USD account)
This works like a virtual bank account
You can also use Payoneer’s global payment service

Step 3: Add Payoneer to Your Gumroad Account

Back on Gumroad:

Go to Settings → Payout
Add your Payoneer U.S. bank details under the “Direct Deposit” option
Save your tax details (important for non-US users)

Gumroad will verify, and you’re good to go!

💡 Gumroad will send weekly payouts to your Payoneer account (on Fridays)

Step 4: Transfer from Payoneer to Your Local Bank (Bangladesh)

Once the money arrives in Payoneer:

Go to Withdraw → To Bank Account
Add your Bangladeshi bank (like BRAC, DBBL, City Bank) I Recommend EBL Bank.
Withdraw your earnings in BDT
Usually arrives in 1-3 business days

My First Sale & First Payout (Real Story)

I still remember that rainy night.
My first digital product was a simple Canva Instagram template. After 3 months of no sales, someone bought it for $3.99.

I didn’t even believe it at first. I stared at the email saying “You’ve made a sale!” for 10 minutes straight. 😂

A week later, that money landed in my Payoneer account. It wasn’t much, but it proved I could do it — and it changed everything.

⚠️ Common Mistakes to Avoid

❌ Trying to link PayPal from another country (it may get flagged)
❌ Not verifying your Payoneer ID properly
❌ Skipping Gumroad’s tax info setup (W-8BEN form is required for non-US residents)
❌ Selling before your payout method is ready

Alternative Options (Besides Payoneer)

If you don’t like Payoneer, here are a couple of other methods:

Wise (formerly TransferWise) — Some creators use this, but it’s not officially supported by Gumroad
Bank Wire Transfer — Gumroad also supports direct bank wires, but you need higher earnings and longer wait times

For 90% of Bangladeshi creators, Payoneer is the easiest and safest route.

Conclusion: Start Now — and Get Paid Like a Pro

You don’t need to live abroad, be a tech genius, or have a big audience to earn from digital products.

You just need the right tools — and now you know exactly how to:

✅ Set up your Gumroad
✅ Connect Payoneer
✅ Get paid in Bangladesh
✅ Repeat every week

Frequently Asked Questions (FAQ)

🔹 1. Can I use Gumroad in Bangladesh?

Yes, absolutely. While Gumroad doesn’t support PayPal in Bangladesh, you can still receive payouts using Payoneer or direct bank transfers through a virtual U.S. bank account.

🔹 2. Does Gumroad accept Payoneer?

Gumroad doesn’t directly mention Payoneer, but it accepts U.S. bank account details — and Payoneer gives you a U.S. receiving account. That’s how Bangladeshi users get paid.

🔹 3. Is it legal to use Gumroad and Payoneer from Bangladesh?

Yes. Gumroad and Payoneer are both legitimate and legal platforms. Thousands of freelancers and digital creators from Bangladesh use them every day.

🔹 4. How often does Gumroad pay creators?

Gumroad pays out every Friday, as long as your balance is above the $10 threshold.

🔹 5. How long does it take to receive money from Gumroad to my Bangladeshi bank?

Gumroad → Payoneer: Usually same day or within 1 business day
Payoneer → Bangladeshi bank: Usually 1–3 business days

🔹 6. Do I need to file tax forms on Gumroad?

Yes. If you’re outside the U.S. (like in Bangladesh), you’ll need to fill out a W-8BEN tax form inside your Gumroad account. It only takes a few minutes.

🔹 7. Can I sell on Gumroad without a website?

Yes. Gumroad gives you a free storefront where customers can buy your products. No website required.

🔹 8. What types of digital products can I sell on Gumroad from Bangladesh?

Canva templates
Ebooks or guides
Fonts
Social media kits
Digital planners
Notion templates
Online courses
And so much more!